If you're a subscriber, you get free cartel coins. Thus, is a question of priorities.
If you're a F2Per, you are playing a free game and have not a single right to complain. Deal. With. It.
The bottom line is that character recustomization is not a frequent, on-the-fly kind of thing. It's not something you change based on your mood, it's a permanent adjustment. They don't want players changing their characters every ten minutes.
Let me ask you this, why would they not put it as an unlock with in-game creds?